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What is Medicare?

Medicare is the federal health insurance program for people who are 65 or older, persons with End-Stage Renal Disease and certain younger people with disabilities.

There are four main parts to the Medicare system:

Part A (Hospital Coverage)
Part B (Medical Coverage)
Part C (Medicare Advantage)
Part D (Prescription Drug Coverage)

When Do I Signup for Medicare?

You need to sign up for Medicare about three months before you turn 65. You are eligible for premium-free Part A if you are 65 or older and you or your spouse worked and paid Medicare taxes for at least 10 years. Part A has a deductible that changes each year.

Enrollment Periods

There are 3 Enrollment Periods set by Medicare:

  1. Initial Enrollment period
  2. Open Enrollment Period
  3. Special Enrollment Period

Click here to learn more about Medicare Enrollment Periods.

Medicare Advantage Plans

In order to enroll in a Medicare Advantage Plan you must be:

  •  Enrolled in Medicare Parts A and B
  • Permanently reside in the service area
  • Must not have End-Stage Renal Disease (ESRD) unless:

Have another health plan from the same organization within the same state, or you were enrolled in a Medicare Advantage plan that was terminated or discontinued after December 31st, 1998 and this is your first election since that happened.

Click Here To Learn More about Medicare Advantage Plans

Medicare Helpful Resources

Medicare.gov

5 Common Medicare Mistakes to Avoid

 

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